{"id":1855,"date":"2025-06-10T22:14:05","date_gmt":"2025-06-10T22:14:05","guid":{"rendered":"https:\/\/expertoinsurance.com\/blog\/?p=1855"},"modified":"2026-03-19T18:02:40","modified_gmt":"2026-03-19T18:02:40","slug":"cobertura-limitada-del-seguro-de-auto-en-texas","status":"publish","type":"post","link":"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/","title":{"rendered":"Cobertura limitada del seguro de auto en Texas"},"content":{"rendered":"\n<p>\u00bfVives en Texas y quieres asegurar tu auto? Una de las opciones que m\u00e1s encuentras es la <strong>cobertura limitada del seguro de auto en Texas<\/strong>. Este tipo de seguro es m\u00e1s econ\u00f3mico que una p\u00f3liza amplia, pero ofrece menos protecci\u00f3n.<\/p>\n\n\n\n<p>A continuaci\u00f3n, te explicamos qu\u00e9 cubre esta <strong>cobertura limitada en Texas<\/strong>, qu\u00e9 no incluye, cu\u00e1ndo conviene contratarlo y alternativas de aseguranza.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de contenido<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/#%C2%BFQue_es_la_cobertura_limitada_de_seguro_de_auto\" >\u00bfQu\u00e9 es la cobertura limitada de seguro de auto?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/#%C2%BFQue_cubre_la_cobertura_limitada_en_Texas\" >\u00bfQu\u00e9 cubre la cobertura limitada en Texas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/#%C2%BFCuando_conviene_contratar_una_cobertura_limitada_en_Texas\" >\u00bfCu\u00e1ndo conviene contratar una cobertura limitada en Texas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/#%C2%BFQue_no_cubre_una_poliza_limitada\" >\u00bfQu\u00e9 no cubre una p\u00f3liza limitada?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/#%C2%BFCual_es_la_diferencia_entre_cobertura_limitada_y_cobertura_amplia\" >\u00bfCu\u00e1l es la diferencia entre cobertura limitada y cobertura amplia?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/#%C2%BFQue_pasa_si_conduzco_sin_seguro_en_Texas\" >\u00bfQu\u00e9 pasa si conduzco sin seguro en Texas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/#%C2%BFPuedo_mejorar_mi_cobertura_sin_pagar_mas\" >\u00bfPuedo mejorar mi cobertura sin pagar m\u00e1s?<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_la_cobertura_limitada_de_seguro_de_auto\"><\/span><strong>\u00bfQu\u00e9 es la cobertura limitada de seguro de auto?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La <strong>cobertura limitada del seguro de auto en Texas, conocida como <em>liability insurance <\/em>o seguro de responsabilidad civ<\/strong>il, es el seguro obligatorio en Texas. Su objetivo principal es proteger a terceros en caso de da\u00f1os en un accidente como a personas o propiedades, pero <strong>no cubre los da\u00f1os a tu propio coche<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_la_cobertura_limitada_en_Texas\"><\/span><strong>\u00bfQu\u00e9 cubre la cobertura limitada en Texas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>De acuerdo al <strong><a href=\"https:\/\/www.tdi.texas.gov\/\">Texas Deparment of Insurance<\/a> (TDI), <\/strong>la cobertura limitada incluye dos principales protecciones:<\/p>\n\n\n\n<p><strong>1. Responsabilidad por da\u00f1os<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lesiones a otras personas si t\u00fa eres responsable del accidente.<\/li>\n\n\n\n<li>Gastos m\u00e9dicos, p\u00e9rdida de ingresos, dolor y sufrimiento, e incluso gastos funerarios.<\/li>\n\n\n\n<li>Cobertura m\u00ednima en Texas: <strong>$30,000 USD por persona<\/strong> y <strong>$60,000 USD por accidente<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>2. Responsabilidad por da\u00f1os a la propiedad<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Da\u00f1os materiales causados al veh\u00edculo de otra persona o a propiedades como casas, cercas o postes.<\/li>\n\n\n\n<li>Cobertura m\u00ednima en Texas: <strong>$25,000 USD por accidente<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_conviene_contratar_una_cobertura_limitada_en_Texas\"><\/span><strong>\u00bfCu\u00e1ndo conviene contratar una cobertura limitada en Texas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Te conviene una cobertura limitada si:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tienes un auto viejo o de bajo valor.<\/li>\n\n\n\n<li>Tu presupuesto para el seguro es limitado.<\/li>\n\n\n\n<li>Solo necesitas cumplir con el <strong>requisito legal m\u00ednimo<\/strong> en Texas.<\/li>\n\n\n\n<li>No conduces con frecuencia o usas el auto solo en trayectos cortos.<\/li>\n<\/ul>\n\n\n\n<p>No obstante, si tienes un auto nuevo, financiado o de alto valor, esa opci\u00f3n puede dejarte expuestos a altos costos en casos de accidentes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_no_cubre_una_poliza_limitada\"><\/span><strong>\u00bfQu\u00e9 no cubre una p\u00f3liza limitada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Como todos los seguros, este tipo de p\u00f3liza tambi\u00e9n cuenta con ciertas limitaciones. <strong>Un seguro de cobertura limitada no incluye<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reparaciones o reemplazo de tu auto si t\u00fa tienes la culpa del accidente.<\/li>\n\n\n\n<li>Da\u00f1os por robo, vandalismo, incendio o fen\u00f3menos naturales (inundaciones, granizo, etc.).<\/li>\n\n\n\n<li>Gastos m\u00e9dicos tuyos o acompa\u00f1antes (a menos que agregues <em>Personal Injury Protection<\/em>).<\/li>\n\n\n\n<li>Da\u00f1os por accidentes con conductores sin seguro (a menos que contrates cobertura adicional).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_la_diferencia_entre_cobertura_limitada_y_cobertura_amplia\"><\/span><strong>\u00bfCu\u00e1l es la diferencia entre cobertura limitada y cobertura amplia?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Caracter\u00edstica<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Cobertura Limitada<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Cobertura Amplia<\/strong><\/td><\/tr><tr><td>Cubre da\u00f1os a terceros<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><\/tr><tr><td>Cubre da\u00f1os a tu auto<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed, colisiones y m\u00e1s.<\/td><\/tr><tr><td>Cubre robo o vandalismo<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><\/tr><tr><td>Costo del seguro<\/td><td class=\"has-text-align-center\" data-align=\"center\">M\u00e1s econ\u00f3mico<\/td><td class=\"has-text-align-center\" data-align=\"center\">M\u00e1s costoso<\/td><\/tr><tr><td>Recomendado para autos nuevos<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_conduzco_sin_seguro_en_Texas\"><\/span><strong>\u00bfQu\u00e9 pasa si conduzco sin seguro en Texas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>En caso de conducir sin seguro en Texas es ilegal y puedes tener consecuencias como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Multas de hasta $1,000 d\u00f3lares.<\/li>\n\n\n\n<li>Suspensi\u00f3n de tu licencia.<\/li>\n\n\n\n<li>Cargos adicionales en tu seguro a futuro.<\/li>\n\n\n\n<li>Confiscaci\u00f3n del veh\u00edculo en casos repetidos.<\/li>\n<\/ul>\n\n\n\n<p>Debes contar con al menos una cobertura limitada, es obligatorio para evitar problemas legales y proteger a terceros en caso de un siniestro. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_mejorar_mi_cobertura_sin_pagar_mas\"><\/span><strong>\u00bfPuedo mejorar mi cobertura sin pagar m\u00e1s?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>S\u00ed, en Texas puedes agregar coberturas opcionales para aumentar protecci\u00f3n sin cambiar el nivel de protecci\u00f3n a una cobertura amplia: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cobertura contra conductores sin seguro.<\/li>\n\n\n\n<li>Protecci\u00f3n de lesiones personales (PIP).<\/li>\n\n\n\n<li>Asistencia en carretera.<\/li>\n\n\n\n<li>Reembolso de auto rentado.<\/li>\n<\/ul>\n\n\n\n<p>Cotiza con varias aseguradoras para comparar precios y elegir el seguro que se adapte a las necesidades de tu auto. La cobertura limitada en Texas es una opci\u00f3n b\u00e1sica y legalmente obligatoria que cubre los da\u00f1os que causes a terceros. Aunque es una opci\u00f3n econ\u00f3mica, tambi\u00e9n implica riesgos en caso de accidentes o si tu auto resulta da\u00f1ado. <\/p>\n\n\n\n<p>Antes de contratar este tipo de p\u00f3liza, eval\u00faa tus opciones, valor de tu veh\u00edculo y cu\u00e1nto est\u00e1s dispuesto a pagar en caso de un imprevisto. En <a href=\"https:\/\/expertoinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experto Insurance<\/a> te ayudamos a encontrar la opci\u00f3n adecuada para ti. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-circular\"><a class=\"wp-block-button__link has-white-color has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background has-text-color has-background wp-element-button\" href=\"https:\/\/www.expertoinsurance.com\/seguro-de-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a1<strong>Cotiza ahora<\/strong>!<\/a><\/div>\n<\/div>\n\n\n<script>  const tipoform = \"auto\";<\/script>","protected":false},"excerpt":{"rendered":"<p>\u00bfVives en Texas y quieres asegurar tu auto? Una de las opciones que m\u00e1s encuentras es la cobertura limitada del [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":1856,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[125],"tags":[133],"class_list":["post-1855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autos","tag-seguros-de-auto-texas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Cobertura limitada del seguro de auto en Texas<\/title>\r\n<meta name=\"description\" content=\"La cobertura limitada del seguro de auto en Texas, conocida como seguro de responsabilidad civil, es el seguro obligatorio en Texas.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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